Farmington Hills Fire, Hail, Wind & Water Damage Restoration

A second-floor bathroom supply line failed in a Farmington Hills colonial during a cold snap. Auto-Owners’ adjuster estimated repair for the bathroom and first-floor ceiling directly below. The homeowner called Phase III before signing.

Phase III’s moisture assessment told a much larger story. Water had traveled down the interior wall cavities from the second floor to the basement, wicking into the finished basement drywall and carpet. Elevated readings appeared in three additional first-floor areas the adjuster hadn’t checked.

We documented the full moisture map with calibrated readings at every affected surface and built a Xactimate scope covering the complete drying zone: second floor, first-floor wall cavities, and the finished basement. Auto-Owners approved the supplemented scope in full.

A major hail event hit a 2001 Farmington Hills colonial with a full hip roof. State Farm’s adjuster approved replacement on the two primary faces and priced the material at standard shingles. The home had upgraded architectural shingles, and the two secondary hip faces showed clear hail impact.

Phase III inspected all four hip faces plus the two dormers and found consistent impact across the full roof surface. We documented the existing shingle specification and price differential, gutter damage across the full run, and AC condenser fin damage excluded from the original estimate.

We submitted a complete supplement correcting the material specification and adding the missed faces, gutters, and AC condenser. State Farm approved the full corrected scope.